Part of my plan is government assistance.

Because no one will actually buy mortgage debt right now because banks are planning for a huge amount of defaults or that if people do default the government won't let them foreclose because of the crisis.

The reason bank loans became much tougher to obtain last time around, was because there were a ton of new regulations and the creation of the CFPB.

To determine whether the property qualifies for protection under the “grandfather” provision would require more extensive research of the historical zoning maps and more information about the past use(s) of the property.It sounds like the particular lender you mentioned is going to require you to take some action with local government before they approve the loan (whether obtaining written confirmation that the property is grandfathered, confirmation of re-zoning, or perhaps even simply a letter from Knox County stating that they are not going to seek to strictly enforce zoning with respect to the property might suffice).

If you are experiencing financial issues due to this situation, we recommend staying up to date with the several government programs offering financial aid to those in need and to apply as soon as they become available.

It's the first time in the history of our country that a fully government created and government forced recession will occur. 

Unfortunately like most of the government rules they are unclear.  

I have a feeling the government may mandate what we are allowed to do, or not do, in this scenario over the next week.

Accept less and they will walk all over you the next time they have a problem.You need to be researching the government programs that are being rolled out for rent payment assistance due to COVID 19.  

If you need any information about tertiary markets, military housing, government back rents, and more feel free to reach out.